This is for you if…
- A married or common-law couple
- A mix of RRSP, TFSA, and maybe non-registered savings
- Possibly a workplace pension (DB or DC)
- You want to minimize lifetime tax and protect your OAS
What you'll get
- Pension income splitting modelled for both of you
- The withdrawal order that minimizes your lifetime tax
- A right-sized RRSP meltdown to dodge the age-71 tax wall
- OAS clawback protection as a household
- Market-crash and high-inflation stress tests
Same engine the pros use — we just show the depth your situation needs. Outgrow this path? Switch tiers anytime; your numbers come with you.
Optimize My Family
One-time payment. Lifetime access. No subscription.
$89CAD
Not quite you?